FCI Lender /Athas Capital Lender who uses systematic deceit and rogue ploys to cause excessive fees and attempts to force borrower into default and foreclosure. If, they would extend 10% of the effort ,they use in their PR of not being a rogue , instead putting effort into assist Athas Capital, FCI Lender, Rama Capital Management , Systematic fraudulent inducing of fees to cause bororwer to default and be forelcosed on . California

In the last 12 month +/- , Athas Capital and  FCI Lender (Athas Capital and Ramma Capital Managemtn's Associated Lending Admnistrator ) have systematically not posted timely received payments tendered from me for my loan, resulting in extensive fees, escelerated interest and my property being put into foreclosure multiple times. 

My plight in the lending process began with a wire sent by my company to FCI/Athas , which was performed in the exact manner they instructed us to wire the payments. As the wire reflected an amount for multiple payments, including payments in advance, we were shocked and outraged, when months after the wire was sent , we were given notice that we were defautls and our property which is valued at $700K more than our loan was scheduled for foreclosure (courthouse steps auction) in mere weeks, if we did not submit over 40K over the payments wired , because, FCI/Athas had sent the wire back we sent them, without telling us, until months afte sending the wire, in the form of foreclosure notice.

Due to the unreasonable time constraint on paying before foreclosure and FCI and Athas not communicating with us, we paid the overage (excessive fees ) and resubmitted the payments they sent back. Prior to making the paymnet before foreclosure, FCI on the phone, which we fortutuitously recorded , assured us, that given our situation and fact pattern, wherein, they had confirmed conversations of the wire being sent and they in fact gave the instuctions on sending the wire...we would be reimbursed the fees, ecelerated interest in the form of it being applied for future loan payments.

Months later after making the reinstatement payment , when we were told, we would be paid in advance, we again got another notice of being in default and in foreclosure. This time, FCI denied any wrong doing in sending the original wire back or that we would be reimbursed in the form of having future payments credited. FCI refused to assist us and Athas did not return calls or emails. So, we hired an attotney, who is now attempting to resolve the matter, with NO cooperation from Athas or FCI.

Initially, against, attorney advisement , I posted a Betrer Business Bureau complaint and complaints in other forums, only to be met with the PR Machine of Athas /FCI, arguining , spinning and denying . Remarkable how they will expend so much efforts to calculatedly deny and spin and yet they refuse to extend efforts into customer service to attempt resolution.

I am unsure, if, I will be forced to pay their extortion fees for what was clearly their error or their ploy when they sent back my wire and when they told me they would apply fees to future payments. What I am sure of, is , if, I am fleeced, my well documented fact pattern of FCI and Athas's deceit will become a prevalent part of the internet, from call transcripts to emails, to recordings of calls, so that no one else ever has to become a victim by FCI LEnder or Athas Capital, who apparently rely on a business model for revenue that is predicated on deceit and fraudulently inducing unjust fees to forece foreclosure or payment of fees that can make a $6K+ monthly loan payment 0ver $11K+.

J S

TG

Texas